Are Men & Women Different With Money?

  Q: My husband and I fight over money and things related to money. He wants to spend and I want to save. How can we reduce the bickering? A: You bring up a great question with which many couples struggle. Recognize that men and women tend to think differently...

Are Money Memories Holding You Back?

Q: I was not taught good money habits when I was growing up and I can’t seem to change my ways as an adult. What should I do? A: When we are young, we are like sponges and absorb everything, good and bad. We have our rational, thinking minds, but I believe that bad...

How to Stop Dreading and Start Doing

Q: I have made some bad decisions in the past, and I’m feeling stuck and embarrassed and have no idea where to begin. Do you have any advice? A: If it’s any consolation, you are not alone. We live in a society with a strong message that you’re not enough unless...

Must Have Tips

I consider (3) things to form the foundation of 99% of people’s money plan…and the reason is because without these 3 things, your financial situation can take a turn for the worse in the blink of an eye, and in some cases, even lead to bankruptcy. They are: 1....

What is Financial Planning?

Q: I know you are a financial planner, but what exactly do you do and do I need one, or is this something for when you’re retired? A: I hear this question a lot! I am a CERTIFIED FINANCIAL PLANNER™ professional, which means I went through a fairly intense course of...

Why Have a Spending Plan?

Q: I make pretty good money but I have no idea where it goes! I really don’t feel like I need to be on a budget per se, but sometimes I feel guilty when I go shopping, as in: I have no idea whether its okay to buy something that I want.  Do you have any suggestions on...

What is a Roth IRA?

Q: I hear people talking about the “Roth”, but I’m embarrassed to admit I really don’t fully get it. Is it something I should understand, or does it not matter for me? A: GREAT question! The ROTH , which is a type of IRA, is one of my favorite saving vehicles,...

Do I Really Need an Emergency Fund?

Q: Do I really need an emergency fund? If worse comes to worst, can’t I just use one of my credit cards in a bind? I have about $20,000 in credit limit between 3 cards. A: This is a great question. The answer is a resounding YES you need an emergency fund. Think of it...